Compare 2009 Mercedes-Benz G-Class Insurance Rates

Want lower car insurance rates for your Mercedes-Benz G-Class? Are you regretting the purchase of an expensive car insurance policy? Don’t feel bad because there are many consumers feeling the pinch from expensive car insurance. Due to the large number of choices, it is very difficult to pick the cheapest insurance company.

Finding car insurance

Cutting your car insurance rates is a great way to save money. The only requirement is to spend a little time to get quotes to find out which insurance company has affordable insurance quotes. It’s really simple and can be done by following the guidelines below.

If you’re in a hurry, the quickest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This quick form saves time by eliminating boring form submissions for each company. One quote request gets you coverage quotes from many national carriers.

A more time consuming way to analyze rates is to manually visit the website of each company and go through the quote process again. For examples sake, we’ll assume you are doing a rate comparison from State Farm, Allstate and Liberty Mutual. You would have to go to every website to enter the same coverage data repeatedly, which can get rather old.

To view a list of companies in your area, click here.

Even if you have time, the least recommended way to compare price estimates is to spend time driving to each insurance agency near you. Comparing rate quotes online makes this process obsolete unless you require the trained guidance of a local agent. Drivers can compare online quotes and have a local agent actually service the policy.

The method you choose is up to you, but ensure you’re using the exact same coverage information for each price quote. If you compare higher or lower deductibles it will be nearly impossible to get a fair rate comparison.

Auto insurance discounts are available to reduce your rates

Companies don’t always publicize every discount very clearly, so the next list breaks down a few of the more well known as well as the least known credits available to bring down your rates.

• Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
• Federal Government Employee – Federal government employees can earn a discount up to 10% on G-Class coverage but check with your company.
• Driver Education Discount – Have your child complete a driver education course if offered at their school.
• Buy New and Save – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for newer vehicles.
• Fewer Miles Equal More Savings – Driving fewer miles could qualify for substantially lower premium rates.
• Telematics Data – Insureds who allow driving data collection to study when and where they use their vehicle by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they have good driving habits.
• Discount for Swiching Early – A few larger companies give discounts for switching to them before your current expiration date. It could save around 10% when you buy insurance online.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. So even though you would think all the discounts add up to a free policy, you aren’t that lucky.

A few popular companies and their offered discounts are outlined below.

• State Farm may have discounts that include Steer Clear safe driver discount, multiple policy, student away at school, driver’s education, and safe vehicle.
• Esurance has discounts for defensive driver, Pac-12 alumni, anti-theft, anti-lock brakes, emergency road assistance, and online shopper.
• Progressive policyholders can earn discounts including multi-vehicle, homeowner, good student, online signing, and multi-policy.
• Liberty Mutual has savings for good student, teen driver discount, multi-policy, multi-car, hybrid vehicle, and new move discount.
• Auto-Owners Insurance offers discounts including multi-policy, good student, teen driver, company car, air bags, student away at school, and mature driver.
• Geico may offer discounts for military active duty, driver training, seat belt use, multi-vehicle, and good student.

Before you buy a policy, ask each company to give you their best rates. Some of the earlier mentioned discounts may not apply everywhere.

Everyone needs different car insurance coverages

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine if your situation would benefit from professional advice.

• What discounts do I qualify for?
• How high should my medical payments coverage be?
• Can I rent a car in Mexico?
• Am I covered if I wreck a rental car?
• Should I buy full coverage?
• What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverages for a Mercedes-Benz G-Class

Having a good grasp of a insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Comprehensive or Other Than Collision – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, a tree branch falling on your vehicle, damage from a tornado or hurricane, vandalism and damage from flooding. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses for surgery, EMT expenses, prosthetic devices and pain medications. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Mercedes-Benz G-Class.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverages – This coverage will pay to fix damage to your G-Class resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, hitting a parking meter, driving through your garage door, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability insurance – This protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as bail bonds, legal defense fees, structural damage and pain and suffering. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.